the best time to dispute anything on your credit report is on Black Friday(the day after thanks giving) or November or December of the year because the big 3 are sooo swamped with calls and investigations, the cus ser reps,managers, investigators have a quota to meet each month and they are trying thier best to just clear they case load and sometimes they dont even read the whole complaint/dispute they just go by keywords and plus this helps the economy in a big way really becase once you get that out the way you can apply for more credit meaning more money for the crteditor and more money for the retailers as far as they profit margin during the holidays
says...uzipolo king of decatur
Nice thinking! Bored reps means a big hassle!
anytime is great, make sure though you CMRR them, and make the letter personal, not from the internet. In addition if they have done anything that breaks FACT or FCRA rules tell them if not corrected then you will be more than happy to see them in court and get free $100. Its the law
Thanks! I will keep this post bookmarked for (hopefuly not) the future.